Citba FinancialCBAF -1.13%68 Median PS Value is $38.76 as of Jun. 25, 2026, which is 4685% above its 10-year median of 0.81. GuruFocus rates CBAF with a GF Score™ of 68/100 and a GF Value™ of $31.94 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,042 Banks companies, Citba Financial ranks better than 63.44% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
Median PS Value is calculated as trailing twelve months (TTM) Revenue per Share times 10-Year median PS Ratio. Citba Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was $16.226. Citba Financial's 10-Year median PS Ratio is 2.3888. Therefore, the Median PS Value for today is $38.76.
As of today (2026-06-25), Citba Financial's share price is $38.5605. Citba Financial's Median PS Value is $38.76. Therefore, Citba Financial's Price to Median PS Value for today is 0.99.
The historical rank and industry rank for Citba Financial's Median PS Value or its related term are showing as below:
CBAF'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.64 Med: 0.81 Max: 1.04
Current: 0.99
During the past 13 years, the highest Price to Median PS Value of Citba Financial was 1.04. The lowest was 0.64. And the median was 0.81.
CBAF's Price-to-Median-PS-Value is ranked better than 63.44% of 1042
companies
in the Banks industry
Industry Median: 1.1
vs CBAF: 0.99
Citba Financial (OTCPK:CBAF) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Citba Financial's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
38.5605
/
38.76
=
0.99
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citba Financial Median PS Value Related Terms
Citba Financial Median PS Value Historical Data
* Premium members only.
The historical data trend for Citba Financial's Median PS Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CBAF vs MVLY, PGNN, INFT: Median PS Value Comparison
For the Banks - Regional subindustry, Citba Financial's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citba Financial Price-to-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Citba Financial's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Citba Financial's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.3888.
Citba Financial's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $16.226.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citba Financial (CBAF) has a Median PS Value of $38.76 as of Jun. 25, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Citba Financial and its competitors. This is 4685% above median its historical median of 0.81. Over the past decade, Citba Financial's Median PS Value has ranged from 0.64 to 1.04. According to the industry distribution chart, Citba Financial ranks #381 out of 1042 companies in the Banks industry, placing it in the top 36.6%.
Is Citba Financial's Median PS Value too high?
Citba Financial's current Median PS Value of $38.76 is 4685% above median its 10-year median of 0.81. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 1.04. The Banks industry median Median PS Value is 1.10. Citba Financial's value of $38.76 is 3423.6% above this industry median. Based on the distribution chart, Citba Financial ranks #381 out of 1042 companies in the Banks industry, which is above the industry midpoint. Overall, Citba Financial has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citba Financial's Median PS Value compare to MVLY and PGNN?
According to the Banks industry distribution chart, Citba Financial ranks #381 out of 1042 companies for Median PS Value. This puts Citba Financial in the upper half of its industry. The industry median Median PS Value is 1.10. Citba Financial's value of $38.76 is 3423.6% above this benchmark. Historically, Citba Financial's own Median PS Value has ranged from 0.64 to 1.04 over the past decade. While the company's 10-year median is 0.81 vs. the industry median of 1.10, Citba Financial has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.10, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citba Financial's current Median PS Value of $38.76 is 3423.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Citba Financial and its competitors. For the Banks industry, the median Median PS Value is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citba Financial's current Median PS Value is $38.76, which is 4685% above median its own 10-year median of 0.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citba Financial stock overvalued right now?
Based on GuruFocus' analysis, Citba Financial (CBAF) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.94, compared to a current price of $38.56 — trading 20.7% above its estimated fair value. The current Median PS Value is $38.76, which is 4685% above median its 10-year median of 0.81 and 3423.6% above the Banks industry median of 1.10. Citba Financial's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Citba Financial (CBAF), the current Median PS Value is $38.76 as of Jun. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citba Financial (CBAF) Overvalued in 2026?
Based on GuruFocus' analysis, Citba Financial stock appears to be overvalued.
The current stock price of $38.56 is trading 20.7% above its estimated GF Value™ of $31.94.
GuruFocus considers Citba Financial to be Modestly Overvalued.
Key valuation signals for CBAF:
Median PS Value: $38.76 (4685% above median its 10-year median of 0.81)
GF Value™: $31.94 vs. price of $38.56 (20.7% above fair value)
Industry Position: 3423.6% above the Banks median (#381 of 1042)
No single metric tells the full story. See the CBAF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citba Financial Corp is a bank holding company engaged in the ownership and management of the Bank, which operates under a state bank charter and provides full banking services. The Bank generates commercial, mortgage, and consumer loans and receives deposits mainly from customers in Morgan County, Indiana, and surrounding counties, with loans generally secured by real property, consumer, and business assets. The Company earns revenue from interest and dividends on loans, investment securities, and other financial instruments, deposit-related fees such as account maintenance, overdrafts, ATM and wire transfers, and interchange fees from debit and credit card transactions recognized daily.
68GF Score
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